我国商业银行风险产生原因与化解途径

The Causes of the Risk in Our Country's Commercial Banks and the Solution Methods

我国商业银行所面临的主要风险是,体制中两权分离不彻底、商业银行经营范围过窄、资本充足率低和不良资产率高。化解商业银行风险的根本途径在于,加快商业银行体制改革步伐,建立健全信息披露制度,引入商业银行退出机制,紧跟金融创新时代潮流和拓宽直接融资渠道。

The main risks facing our country's commercial banks are as follows: the unseparated ownership and operation, the narrow commercial banks' business category, the low capital sufficient ratio and the high bad assets. The fundamental means to dissolve the commercial banks' risks lies in quickening the commercial banks' systematic reform steps, establishing and improving the information disclosure system, introducing the commercial banks' retreat mechanism, following the trend of financial innovation and widening the channel of direct financing.